Sell Your Life Insurance For Cash
May 17, 2012 Life Insurance Products, Senior Life Insurance
Did you know you can sell your life insurance policy for cash? Do you own a $50,000 to $300,000 life insurance policy? Are you over 75 years old? If your answer is yes, you may be able to sell your unwanted life insurance policy for a lump sum cash payout.
Did you know that over 90% of all life insurance policies are either lpased or surrendered and the life insurance company never pays a claim? If your circumstances have changed or you just need a little extra cash, this might be the solution for you.
If you no longer wish to pay premiums and plan on letting your life insurance policy lapse, you should consider the life policy payout program. Your unwanted or unneeded life insurance policy may have value.
With this program:
1. Medical records and third party life expectancies are not required.
2. You may be able to receive a cash amount greater than the surrender value of your policy.
3. You may be able to receive cash for a policy that would otherwise be lapsed.
4. Only 45-60 days average time to have have cash in your hand.
5. You have no obligation to sell your policy once you receive an offer.
Here’s an example, the policy owner will no longer pay the current premium of $11,000 a year and can receive about $27,500 cash for the policy. The face amount on the existing whole life policy being surrendered is $250,000 and the policy was issued in 2004. The insured is 83 years old, male.
Here’s another example, the policy owner will no longer pay the current premium of $2,600 a year and can receive about $11,000 cash for the policy. The face amount on the existing universal life insurance policy being surrendered is $100,000. The policy was issued in 1984 and the insured is 82 years old, male.
If you can answer yes to the following question, your life insurance policy may be eligible for this program:
- Is the face amount of your policy between $50,000 and $300,000?
- Is the insured at least 75 years of age?
- Is the policy owner’s current state of residency one of the following: Florida, Alabama, Arizona, DC, Hawaii, Missouri, South Carolina, South Dakota, Wyoming, New Mexico, Michigan, Delaware, Massachusetts?
- Is the policy either universal life or whole life?
- Was the policy issued at least 6 years ago?
If the answers are yes to all questions above, your policy may qualify for this program. Call us to learn how to submit an application. 1-888-950-8376.
Buy Life Insurance For Seniors
May 13, 2012 Life Insurance Quotes, final expense
Buying Life Insurance For Seniors is easy. We have life insurance policies for seniors that you can buy without a medical exam for up to a $50,000 death benefit. All you have to is complete a short life insurance application containing a few yes or no medical questions. The whole thing can be done over the phone, or by mail, fax or email. You do not have to meet with a life insurance agent. The monthly rate will depend on your age and the amount of coverage you are applying for.
Buying Life Insurance For Seniors will help ensure:
- You pay off any unpaid debt
- Fund children’s college education
- Pay funeral expenses
- Pay Medical bills
To get a life insurance quote for seniors or to start your life insurance application, please call us at 1-888-950-TERM(8376).
Tags: Buy Life Insurance For Seniors, life insurance no medical exam, life insurance quote
Life Insurance for Seniors Over 80
May 9, 2012 Uncategorized
Yes, we do sell life insurance for seniors over 80. Most seniors over 80 are looking for smaller life insuance policies that do not require an exam. Below you will find life insurance rates for seniors over 80.
$10,000 life insurance policy for male senior age 81
| 1. $1,632.10 per year with Americo Financial Life and Annuity Ins. Ultra Protector I (Simplified Issue) Standard Non-Tobacco Monthly: $144.03 |
| 2. $1,646.00 per year with Independent Order of Foresters Planright Level Nontobacco Monthly: $145.00 |
| 3. $1,740.00 per year with American Continental Insurance Co Final Expense – Level Benefit Plan Non-Smoker Monthly: $152.78 |
| 4. $1,756.13 per year with Columbian Life Insurance Company Dignified Choice – Classic I Whole Life Non-Smoker Monthly: $154.01 |
| 5. $1,770.00 per year with Royal Neighbors of America Neighbors Simplified Issue Whole Life Standard Non-Tobacco Monthly: $155.05 |
| 6. $1,840.00 per year with Madison National Life Insurance Co Legacy Select Level Benefit Whole Life Nontobacco Monthly: $165.60 |
| 7. $2,051.00 per year with United Heritage Life Insurance Co Protector Whole Life – Simplified Issue Non-Tobacco Monthly: $178.44 |
$10,000 life insurance policy for female senior age 81
| 1. $1,270.00 per year with Royal Neighbors of America Neighbors Simplified Issue Whole Life Standard Non-Tobacco Monthly: $110.51 |
| 2. $1,276.00 per year with Independent Order of Foresters Planright Level Nontobacco Monthly: $111.65 |
| 3. $1,285.90 per year with Americo Financial Life and Annuity Ins. Ultra Protector I (Simplified Issue) Standard Non-Tobacco Monthly: $116.18 |
| 4. $1,335.43 per year with Columbian Life Insurance Company Dignified Choice – Classic I Whole Life Non-Smoker Monthly: $116.67 |
| 5. $1,400.00 per year with American Continental Insurance Co Final Expense – Level Benefit Plan Non-Smoker Monthly: $122.16 |
| 6. $1,420.00 per year with Madison National Life Insurance Co Legacy Select Level Benefit Whole Life Nontobacco Monthly: $127.80 |
| 7. $1,592.00 per year with United Heritage Life Insurance Co Protector Whole Life – Simplified Issue Non-Tobacco Monthly: $138.50 |
If you would like a life insurance quote for a senior over the age of 80, please don’t hesitate to contact us at 1-888-950-TERM(8376).
Tags: $10, 000 life insurance policy for female senior age 81, 000 life insurance policy for male senior age 81, life insurance, life insurance for seniors, life insurance for seniors over 80, life insurance quote, life insurance quote for a senior, life insurance quote for a senior over 80, life insurance quote senior, life insurance rates, life insurance rates for seniors
30 Year Term Life Insurance For A 55 Year Old
May 9, 2012 Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance
Genworth recently announced that they would be withdrawing their Colony Term UL 30, so let’s look at some 30 year term life insurance rates and see where Genworth stands compared to the competition.
$500k 30 Year Term Life Rates for a 55 year old male super preferred non-smoker
| 1. $2,805.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Plus Non-Smoker |
| 2. $2,825.44 per year with Genworth Life and Annuity Insurance Co Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 3. $2,825.44 per year with Genworth Life Insurance Company Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 4. $2,975.00 per year with Pruco Life Insurance Company Term Essential 30 (<250K PruXpress ONLY) Preferred Best |
| 5. $3,050.05 per year with Transamerica Life Insurance Co TransTerm UL 30 Preferred Plus Non-Smoker |
| 6. $3,125.00 per year with Principal National Life Insurance Co 30-Year Term Super Preferred non-tobacco |
| 7. $3,134.00 per year with American General Life Insurance Co Select-a-Term – 30 Year Preferred Plus Non-Tobacco |
| 8. $3,138.96 per year with Protective Life Insurance Company Secure-T – 30 Year No Lapse UL Super Preferred Non-Tobacco |
| 9. $3,248.00 per year with ReliaStar Life Insurance Co (ING) TermSmart 30 – 30 Year Term Super Preferred Non-Tobacco |
| 10. $3,370.00 per year with Independent Order of Foresters Foresters Lifefirst – 30 Year Preferred Plus Non-Tobacco |
Now let’s look at the same scenario for a female:
30 Year Term Life Insurance Rates for a 55 year old female super preferred non-smoker
| 1. $1,525.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Plus Non-Smoker |
| 2. $1,826.72 per year with Genworth Life and Annuity Insurance Co Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 3. $1,826.72 per year with Genworth Life Insurance Company Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 4. $2,070.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Non-Smoker |
| 5. $2,135.00 per year with Pruco Life Insurance Company Term Essential 30 (<250K PruXpress ONLY) Preferred Best |
| 6. $2,175.00 per year with Transamerica Life Insurance Co TransTerm UL 30 Preferred Plus Non-Smoker |
| 7. $2,245.00 per year with Principal National Life Insurance Co 30-Year Term Super Preferred non-tobacco |
| 8. $2,249.00 per year with American General Life Insurance Co Select-a-Term – 30 Year Preferred Plus Non-Tobacco |
| 9. $2,259.02 per year with Protective Life Insurance Company Secure-T – 30 Year No Lapse UL Super Preferred Non-Tobacco |
| 10. $2,263.00 per year with ReliaStar Life Insurance Co (ING) TermSmart 30 – 30 Year Term Super Preferred Non-Tobacco |
Call us for a customized life insurance quote at 1-888-950-TERM(8376)
Tags: 30 Year Term Life Insurance For A 55 Year Old, life insurance 55, life insurance 55 year old, life insurance 55 year old female, life insurance 55 year old male, life insurance quote, life insurance rates, term insurance age 55, term life insurance age 55
Best Final Expense Life Insurance Rates Age 70
May 9, 2012 Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance, Uncategorized, final expense
Here are some sample final expense life insurance rates for a 70 year old male on a $10,000.00 policy. These plans do not require an exam, but you do have to answer some medical questions on the application. To find out if you qualify, please call us at 1-888-950-TERM(8376).
| 1. $766.00 per year with Independent Order of Foresters Planright Level Nontobacco Monthly: $67.03 |
| 2. $767.70 per year with Americo Financial Life and Annuity Ins. Ultra Protector I (Simplified Issue) Standard Non-Tobacco Monthly: $69.61 |
| 3. $800.00 per year with Royal Neighbors of America Neighbors Simplified Issue Whole Life Standard Non-Tobacco Monthly: $70.83 |
| 4. $830.10 per year with Assurity Life Insurance Company Level Benefit W/L – Simplified Issue Select Non-Tobacco Monthly: $72.93 |
| 5. $845.23 per year with Columbian Life Insurance Company Dignified Choice – Classic I Whole Life Non-Smoker Monthly: $73.05 |
| 6. $850.00 per year with American Continental Insurance Company Final Expense – Level Benefit Plan Non-Smoker Monthly: $73.54 |
| 7. $867.90 per year with United Home Life Insurance Company Express Issue Premier Whole Life Nontobacco Monthly: $78.30 |
| 8. $870.00 per year with Madison National Life Ins. Company Legacy Select Level Benefit Whole Life Nontobacco Monthly: $80.71 |
| 9. $942.10 per year with United Heritage Life Insurance Company Protector Whole Life – Simplified Issue Non-Tobacco Monthly: $81.96 |
| 10. $996.20 per year with United Home Life Insurance Company Express Issue Deluxe Whole Life Nontobacco Monthly: $92.65 |
Tags: $10, 000.00 policy, Best Final Expense Life Insurance Rates Age 70, do no require an exam, final expense, final expense life insurance, final expense life insurance rates, medical questions, no exam
Genworth’s 30 Year Colony Term UL Being Suspended
May 4, 2012 Life Insurance Updates
Genworth announced today that they will be temporarily suspending sales of their Colony Term UL 30 year product. Beginning June 4th, 2012, applications for the Colony Term UL 30 will no longer be accepted.
Tags: 30 year term, Colony Term UL 30 Suspended, genworth, Genworth 30 year term, Genworth Colony Term UL, Genworth suspending term, Genworth term, Genworth's 30 Year Colony Term UL Being Suspended, term ul
